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hi cheekycherry,
The amount of redundancy you have really depends on how much you can afford.
First as already said you should have a quality host, quality hardware and it should have RAID running. You should run local backups as well as having your host run backups.
Regarding hiring an admin, few people can afford to hire a full time admin and lets be honest, you hire one guy and the time you need him the most he is going to be in the middle of something else or you wont be able to contact him or worse he is drunk and you can contact him. The best thing to do is get a Fully Managed Host, let their admins take care of things. There are several Managed hosting providers that post on GFY. You should find one that is fully staffed not a one man operation, that's the same as hiring one admin.
There are also managed hosting companies like RackCo that operate from multiple data centers, have redundant NOCs, can provide complete disaster recovery down to even office space, phone and PC. We can run a backup system that goes live the instant your other server has issues and we can even run the backups to another location. There are a lot of options of what can be done and the cost is really a pretty big spread depending on what you would need.
Hit me up and I would be happy to see what we could provide you that works with your budget.
Good Luck
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